Bill; the scenario you describe with the three cabs is beyond my limited ability to think. No matter how often I read up on this type thing, I just can't seem to retain the information. One question that immediately comes to mind is how this arrangement effects the power handling ability of each of the three cabs.
As to my comment about the efficiency; the specs of most power amps show that they output more power into a 4 ohm load than an 8 ohm load, and more into a 2 ohm load than a 4 ohm load. However, the manual for the 400+ says the amp will produce its full power at all of these impedances [8, 4, 2], provided that the total impedance of your speaker cabinets is matched to the output(s) used. So perhaps it doesn't make a difference with the 400+.
Again, this is beyond my technical expertise (or lack thereof). If Bob happens by this thread he's pretty good at this kind of stuff; as are a few others in the group.